Key facts
| Product | Working Capital |
| Funding type | Embedded & processor capital |
| Estimated rate as of today | Rates shown to approved members |
| Pricing source | Estimated as of today |
| Time to cash | About 1 day |
| Typical size | Up to about 15% of ARR |
| Term | 6–18 months |
| Requirements | Existing revenue · Revenue collected through their platform |
| Regions | US · UK · EU |
| What they underwrite | Your platform sales |
| Collateral | Future platform sales |
| How you repay | % of sales |
| Dilution | None |
The estimated rate for PayPal, as of today, is shown to approved members. Sign in to see it.
PayPal pros and cons
- Fastest Funding award, Embedded & processor capital (2026)
- Fast: about 1 day to cash
- Non-dilutive: no equity or warrants
- No revenue minimum listed
- Available in US, UK, EU
- Pricing isn't public
- Only available if you collect revenue through their platform
Businesses already collecting revenue through Stripe, Shopify, PayPal, etc.
Only offered through the platform; repayment is a % of every sale.
PayPal alternatives
Other embedded & processor capital providers, fastest first. All PayPal Working Capital alternatives.
| Provider | Estimated as of today | Time to cash | Requirements | |
|---|---|---|---|---|
| Stripe Capital Merchant financing |
Rates shown to approved members | About 2 days | Existing revenue · Revenue collected through their platform | Compare → |
| Shopify Capital Merchant cash advance & loans |
Rates shown to approved members | About 2 days | Existing revenue · Revenue collected through their platform | Compare → |
| Square Loans Merchant loans |
Rates shown to approved members | About 2 days | Existing revenue · Revenue collected through their platform | Compare → |
| Parafin Embedded capital via platforms |
Rates shown to approved members | About 2 days | Existing revenue · Revenue collected through their platform | Compare → |
| Pipe Capital via embedded partners |
Rates shown to approved members | About 3 days | Existing revenue · Revenue collected through their platform | Compare → |
| Wayflyer Revenue-based financing (ecommerce) |
Rates shown to approved members | About 3 days | Existing revenue | Compare → |
Compare PayPal
PayPal FAQ
How much does PayPal cost?
The estimated rate for PayPal, as of today, is shared with approved B2B Agent members. Your actual cost depends on your business and PayPal's underwriting.
How fast does PayPal fund?
About 1 day from application to cash, based on typical timelines.
What are PayPal's requirements?
Existing revenue, revenue collected through their platform. Available in US, UK, EU.
How much can you get from PayPal?
Up to about 15% of ARR. Terms run 6–18 months.
Does PayPal require a personal guarantee?
A personal guarantee isn't listed as a requirement for PayPal.
What are the best alternatives to PayPal?
Other embedded & processor capital providers include Stripe Capital (about 2 days); Shopify Capital (about 2 days); Square Loans (about 2 days). Compare all 7 side by side on B2B Agent.
Is PayPal the best embedded & processor capital provider?
PayPal won Fastest Funding among 7 embedded & processor capital providers in the 2026 B2B Agent Awards. The best fit still depends on your amount, revenue, and timeline.
PayPal won 1 B2B Agent Award in 2026
Awards are rule-based: a provider wins only if it beats every other provider of its funding type on the published data, and ties award nobody. See how winners are chosen. Work at PayPal? Copy the code below to show your award on your website.
Something out of date? Update this listing and we'll review it within two business days.
Is PayPal your best option?
Price PayPal against all 84 options for your amount, revenue and timeline — then ask for an introduction to the best fits.
Rates are estimates as of today, not a lender's quoted interest rate. Not an offer of credit, investment, legal or tax advice. B2B Agent may receive a referral fee when we introduce you to a provider; it never changes rankings or what we publish. Lenders: send your current terms so we can refresh the estimate, which also makes you eligible for the Transparent Pricing and Lowest Rate awards. Update your listing.